International Payment Network Server Mobile Authentication

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Solution Overview

Problem

Conventional international electronic payment methods, such as credit cards, are insecure and costly for low-value online content transactions across countries, limiting accessibility for users without credit cards and posing security risks.

Innovation Solution

A system utilizing an International Payment Network (IPN) server that connects users and sellers through mobile communication companies worldwide, enabling transactions via mobile phone authentication, including primary and secondary authentication, and One Time Password (OTP) verification, to facilitate secure and cost-effective payments across countries.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If international credit cards are used for cross-border transactions, then payment convenience is improved, but security risk increases due to potential leakage of card numbers and passwords

Engineering Contradiction:

Improvepayment convenienceVSAvoidsecurity

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The patent introduces an International Payment Network (IPN) server as an intermediary that mediates between the user's mobile communication company server and the seller's payment gateway server. This intermediary handles the sensitive authentication and payment processes, preventing direct exposure of card numbers and passwords, thereby reducing security risks while maintaining payment convenience.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments the payment process into multiple independent components: user authentication through mobile communication company server, payment processing through IPN server, and verification through seller's payment gateway server. This segmentation isolates sensitive information handling to specific secure modules, reducing the security risk of overall system while maintaining operational convenience.

Inventive Principle:

Principle #1Segmentation

2Adaptability or versatility

If international credit cards are used for low-value content transactions, then payment capability is provided, but commission costs become comparatively high

Engineering Contradiction:

Improvepayment capabilityVSAvoidcommission cost

Core Design Contradiction:

Adaptability or versatilityVSLoss of energy

Solution Approach 1:

The patent creates a universal payment system that works across multiple countries and transaction types through the IPN server that cooperates with mobile communication companies worldwide. This multi-functional system handles both high-value and low-value transactions uniformly, eliminating the need for separate payment solutions and reducing commission costs for low-value content transactions while maintaining broad payment capability.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent utilizes mobile phone numbers as disposable authentication credentials that can be freely distributed and renewed. Instead of relying on expensive international credit card infrastructure for every low-value transaction, the system uses mobile-based authentication that is cheaper to implement and maintain, significantly reducing commission costs for frequent low-value content purchases.

Inventive Principle:

Principle #27Cheap short-living objects (Disposable)

3Reliability

If international credit cards are required for online content purchase, then payment security is maintained, but user accessibility decreases for those without credit cards

Engineering Contradiction:

Improvepayment securityVSAvoiduser accessibility

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The patent introduces mobile communication company servers as intermediaries that handle authentication and payment processing. This intermediary layer allows users without credit cards to participate by using mobile phone-based authentication methods, thereby expanding accessibility while maintaining security through the intermediary's verification processes.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent enables users to perform authentication and payment operations themselves through their mobile phones without requiring credit card infrastructure. Users can independently complete transactions using mobile-based methods, making the system accessible to a broader population while maintaining security through self-service authentication protocols.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS8352329B2Method and system for providing international electronic payment service using mobile phone authentication

Publication Date: 2013.01.08 DANAL CO LTD

AI summary

Disclosed herein is a method and system for providing an international electronic payment service using mobile phone authentication. A payment method using an IPN server is selected, and results of verification of the product are relayed to a PG company server in a first country “A.” A user in country A enters primary authentication information, and a mobile communication company server performs primary authentication. The mobile phone of the user is then notified of an OTP, and the PG company server in country A receives the OTP and performs secondary authentication. The IPN server vicariously processes a payment between the PG company server and the mobile communication company server, and notifies a PG company server in a second country “B” of results of payment. The mobile communication company server sends paid money to the PG company server in country A, and the PG company server gives money corresponding to product price to the seller.